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Cryptocurrencies — including Bitcoin, Ethereum, Litecoin and Ripple — are popular for investors seeking to protect and diversify their retirement assets, with (1) the ability to make transfers without an intermediary and without geographic limitation, (2) finality of settlement, (3) lower transaction costs compared to other forms of payment and (4) the ability to publicly verify transactions. Cryptocurrencies also offer personal anonymity and limited government regulation / oversight.